--- title: "An Essential Guide to Know: What Is a Good Credit Score for a Mortgage?" description: A good credit score is the key to getting approved for a mortgage. This article will explain what the recommended score is, and why it's important to strive for it. Get the info you need to make the best mortgage decision. image: https://pdxdirectrealty.com/hubfs/Imported_Blog_Media/image_24-3.png --- [Skip to content](https://pdxdirectrealty.com/articles/what-is-a-good-credit-score-for-a-mortgage-you-need-to-know#main-content) [![PDX Direct Realty](https://pdxdirectrealty.com/hs-fs/hubfs/Black%20logo%20-%20no%20background-2.png?width=150&height=147&name=Black%20logo%20-%20no%20background-2.png)](https://pdxdirectrealty.com/) - Services Show submenu for Services - [Listing Services](https://pdxdirectrealty.com/listing-services) - [Buyer Services](https://pdxdirectrealty.com/buyer-services) - [Additional Services](https://pdxdirectrealty.com/additional-services) - [About Us](https://pdxdirectrealty.com/about-us) - [Customer Portal](https://pdxdirectrealty.com/customer-portal) Open main navigation Close main navigation - Services Show submenu for Services - [Listing Services](https://pdxdirectrealty.com/listing-services) - [Buyer Services](https://pdxdirectrealty.com/buyer-services) - [Additional Services](https://pdxdirectrealty.com/additional-services) - [About Us](https://pdxdirectrealty.com/about-us) - [Customer Portal](https://pdxdirectrealty.com/customer-portal) - [Contact Us](https://pdxdirectrealty.com/contact-us) [Contact Us](https://pdxdirectrealty.com/contact-us) [All posts](https://pdxdirectrealty.com/articles/all) December 22, 2023 # What Is a Good Credit Score for a Mortgage? You Need to Know By  PDX Direct  ·  1 minute read A good credit score is the key to getting approved for a mortgage. This article will explain what the recommended score is, and why it's important to strive for it. Get the info you need to make the best mortgage decision. ## Understanding What Is a Good Credit Score for a Mortgage You probably know that when applying for a loan, having a good credit score can make a difference. But what does that actually mean when you're trying to understand what is a good credit score for a mortgage? Your credit score will be a major factor when you're applying for a mortgage. It's useful to know that your credit score will generally determine whether you'll qualify for a mortgage, as well as the interest rate you'll get. Your credit score will also affect how much of a down payment you may be required to make. Having a good credit score when applying for a mortgage is essential. Your credit score will range between 300 and 850. Any score over 700 is generally considered a good credit score. A score between 760 and 850 is excellent and will generally give you access to the lowest interest rates when applying for a mortgage loan. Generally, a score between 680 and 719 is considered a good credit score, and will usually qualify you for most mortgage products. ## How to Improve Your Credit Score If your credit score is below 680, there are ways to improve it in order to qualify for a good mortgage. You will need to keep your balances low and pay bills on time. Make sure to pay off any outstanding debts and refrain from taking on any new debt. Another useful tip is to check your credit report for any mistakes or inaccuracies and apply to correct them. You should also keep an eye on how many times you apply for a loan which will also have an impact on your credit score. To ensure that you qualify for a good mortgage and get the best deal possible, it's important to understand what a good credit score is and how to improve it. If you plan carefully and make the right decisions, you can get a mortgage with good terms that will serve you well in the long run. ## More Articles to Consider Reading [Cosigning a Mortgage: What You Should Consider](https://pdxdirectrealty.com/articles/cosigning-a-mortgage-what-you-should-consider) [Qualifying for a Mortgage: Your Step-by-Step Guide](https://pdxdirectrealty.com/articles/qualifying-for-a-mortgage-your-step-by-step-guide) [The Power of Mortgage Preapproval: Your Key to Homeownership](https://pdxdirectrealty.com/articles/the-power-of-mortgage-preapproval-your-key-to-homeownership) [Crucial Insights into Mortgage Insurance: What You Need to Know](https://pdxdirectrealty.com/articles/crucial-insights-into-mortgage-insurance-what-you-need-to-know) [Mortgage Rate Lock: When and How to Secure Your Rate](https://pdxdirectrealty.com/articles/mortgage-rate-lock-when-and-how-to-secure-your-rate) [Refinance Before Selling: Timing and Strategies](https://pdxdirectrealty.com/articles/refinance-before-selling-timing-and-strategies) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://pdxdirectrealty.com/articles/what-is-a-good-credit-score-for-a-mortgage-you-need-to-know) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://pdxdirectrealty.com/articles/what-is-a-good-credit-score-for-a-mortgage-you-need-to-know) [twitter icon](https://twitter.com/intent/tweet?url=https://pdxdirectrealty.com/articles/what-is-a-good-credit-score-for-a-mortgage-you-need-to-know) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://pdxdirectrealty.com/articles/what-is-a-good-credit-score-for-a-mortgage-you-need-to-know) [envelope icon](mailto:?body=https://pdxdirectrealty.com/articles/what-is-a-good-credit-score-for-a-mortgage-you-need-to-know) [![PDX Direct Realty](https://pdxdirectrealty.com/hs-fs/hubfs/Black%20logo%20-%20no%20background-2.png?width=150&height=147&name=Black%20logo%20-%20no%20background-2.png "PDX Direct Realty")](https://pdxdirectrealty.com/) [List@PDXDirectRealty.com](mailto:List@PDXDirectRealty.com) (503) 847-2199 M-F 8am-5pm PST 3225 SW 87th Ave. #25653 Portland, OR 97225 Our Services - [Property Listing Services](https://pdxdirectrealty.com/listing-services) - [Home Buyer Services](https://pdxdirectrealty.com/buyer-services) - [Business Listing Services](https://pdxdirectrealty.com/contact-us) - [Additional Services](https://pdxdirectrealty.com/additional-services) Company Information - [About Us](https://pdxdirectrealty.com/about-us) - [Contact Us](https://pdxdirectrealty.com/contact-us) - [Terms of Service](https://pdxdirectrealty.com/terms-of-service) - [Privacy Policy](https://legal.hubspot.com/privacy-policy) - [Real Estate Articles](https://pdxdirectrealty.com/articles) **Customer Portal** - [Submit Listing Data](https://pdxdirectrealty.com/submission-options) - [Submit Photos](https://pdxdirectrealty.com/photo-submission) - [Submit Changes](https://pdxdirectrealty.com/submit-changes-form) - [Submit Documents](https://pdxdirectrealty.com/document-submission-form) Copyright © 2026, PDX Direct Realty - All Rights Reserved - Licensed in the State of Oregon ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "PDX Direct", "url" : "https://pdxdirectrealty.com/articles/author/pdx-direct" }, "dateModified" : "2023-12-22T19:39:33.136Z", "datePublished" : "2023-01-29T08:00:00.000Z", "headline" : "An Essential Guide to Know: What Is a Good Credit Score for a Mortgage?", "image" : [ "https://pdxdirectrealty.com/hubfs/Imported_Blog_Media/image_24-3.png" ], "mainEntityOfPage" : { "@id" : "https://pdxdirectrealty.com/articles/what-is-a-good-credit-score-for-a-mortgage-you-need-to-know", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://pdxdirectrealty.com/hubfs/Color%20logo%20-%20no%20background.png" }, "name" : "PDX Direct Realty" } } ``` ```json { "@context" : "http://schema.org", "@type" : "Article", "author" : { "@type" : "Person", "name" : [ "PDX Direct" ] }, "datePublished" : "2023-01-29T08:00:00+0000", "description" : "A good credit score is the key to getting approved for a mortgage. 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